Use this page as a one-stop reference for everything related to State Bank of India's RATH branch in RATH, UTTAR PRADESH. The branch's IFSC code SBIN0000206 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for State Bank of India – RATH is SBIN0000206. The first four letters SBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000206 map to this branch in RATH, UTTAR PRADESH.
Bank profile
State Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Rath branch — IFSC SBIN0000206 — extends the bank's services to customers in and around Rath, Uttar Pradesh.
About the Rath branch
The Rath branch of State Bank of India is situated at DISTHAMIRPUR UTTAR PRADESH 210431. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code SBIN0000206 is used.
Branch details at a glance
| Bank Name | State Bank of India |
|---|---|
| Branch | Rath |
| IFSC Code | SBIN0000206 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DISTHAMIRPUR UTTAR PRADESH 210431 |
| City | Rath |
| District | Hamirpur |
| State | Uttar Pradesh |
| STD Code | 0 |
| Phone | 0 |
Why every State Bank of India branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including RATH of State Bank of India — its own 11-character IFSC. The code SBIN0000206 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC SBIN0000206 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Rath branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SBIN0000206 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC SBIN0000206
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC SBIN0000206 across all three.
NEFT to State Bank of India, RATH using IFSC SBIN0000206
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC SBIN0000206, and confirm that the system picks up State Bank of India – RATH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC SBIN0000206
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to State Bank of India – RATH, ensure your bank's portal accepts IFSC SBIN0000206 while registering the beneficiary. RTGS is also available 24x7.
IMPS to State Bank of India RATH (IFSC SBIN0000206)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC SBIN0000206 in your mobile or internet banking app, and the money is credited to the RATH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Rath
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC SBIN0000206:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at RATH is still linked to IFSC SBIN0000206.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
UPI payments and IFSC SBIN0000206
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at State Bank of India – RATH is still mapped to IFSC SBIN0000206. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC SBIN0000206 and the beneficiary's account number to complete the transfer.
Account types you can open at the Rath branch
Once you have an account at State Bank of India – RATH, the IFSC SBIN0000206 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Rath branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC SBIN0000206
Online banking and IFSC SBIN0000206
State Bank of India customers can register for net banking and the bank's official mobile app once their account at the RATH branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC SBIN0000206 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
How to reach the Rath branch
The branch is located at DISTHAMIRPUR UTTAR PRADESH 210431, which puts it inside Rath, the broader Hamirpur district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “State Bank of India Rath branch” — the verified location pin for IFSC SBIN0000206 should appear at the top of the results.
- Confirm the branch is open by calling 0 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC SBIN0000206 and your account number.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to State Bank of India – RATH:
- The IFSC is exactly SBIN0000206 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills State Bank of India as the bank name and RATH as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Rath branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SBIN0000206, however, work 24x7.
Verifying IFSC SBIN0000206 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm SBIN0000206 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 0.
- Visiting the bank's official branch locator page.
Branch address & contact
State Bank of IndiaRath Branch
DISTHAMIRPUR UTTAR PRADESH 210431
Rath, Uttar Pradesh
Phone: 0
IFSC: SBIN0000206
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Rath branch but serve different purposes.
Is IFSC SBIN0000206 valid for NEFT and RTGS?
Yes. IFSC SBIN0000206 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC SBIN0000206 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC SBIN0000206 to send funds instantly.
What is the IFSC code of State Bank of India Rath branch?
The IFSC code of State Bank of India, Rath branch is SBIN0000206. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of State Bank of India Rath branch?
You can reach the branch at 0 during regular banking hours.
Where is State Bank of India Rath branch located?
State Bank of India's Rath branch is located at DISTHAMIRPUR UTTAR PRADESH 210431, Rath, Uttar Pradesh.
Is IFSC SBIN0000206 the same for all accounts at Rath branch?
Yes. The IFSC SBIN0000206 is shared by every account held at State Bank of India's Rath branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using SBIN0000206 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to State Bank of India – Rath reflect within 30 minutes.
Summary
The IFSC code SBIN0000206 belongs to State Bank of India's RATH branch, located at DISTHAMIRPUR UTTAR PRADESH 210431 in RATH, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
